anyone want to take any guesses?

anyone want to take any guesses?

My current AAOA is 4 years with oldest being 7 years.

I just applied for and was approved for 3 new CC's... when they show up Im expecting a HUGE drop in my scores. I was going to attempt a CLI on my charter one card at the 9 month mark (when they said I was eligible for it) but I dont want to do that with damaged scores. So I'll probably wait until April to age and inqs to fall.

Re: anyone want to take any guesses?

Will AAoA (as seen by FICO) drop? Not enough info. Assuming you aren't rebucketed, and assuming you haven't applied for or received anything new in over a year (assumption), I'd guess 25-30 loss on FICO in total. If rebucketed, then up to 40-50 (happened once when adding 3 new TLs...was 100% baddie free and hadn't app'd for anything in over a yr at that point). This is all outside any consideration of any util change, which would impact these numbers, for good or bad.

Re: anyone want to take any guesses?

llecs wrote:

Will AAoA (as seen by FICO) drop? Not enough info. Assuming you aren't rebucketed, and assuming you haven't applied for or received anything new in over a year (assumption), I'd guess 25-30 loss on FICO in total. If rebucketed, then up to 40-50 (happened once when adding 3 new TLs...was 100% baddie free and hadn't app'd for anything in over a yr at that point). This is all outside any consideration of any util change, which would impact these numbers, for good or bad.

I have applied for 2 CCs in the past year before these. I have a charge off so hopefully I wont be rebucketed. Either way im interested to see what happens. My WM card shows already with no drop in score, but I have 2 more coming :/

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.